Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 10.0 percent of nonperforming loans to core capital combined with 13.1 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.3. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (5.8) profitability.
Asset Mix:
Home mtgs (44%), securities (14%), comm re (12%), cash (6%), consumer loans (4%), comm loans (2%), other (17%)
States with Branches:
LA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
1725 Sullivan Drive
Bogalusa, LA 70427
Bogalusa, LA 70427
Phone Number
(985) 735-6555
Year Founded
1946
FDIC Number
Website
Largest Affiliates
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